This Online Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.
PROTECT YOUR ONLINE BANKING ACCOUNT INFORMATION
While Farmers Trust and Savings Bank works to protect your banking privacy, you will also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your Farmers Trust and Savings Bank Online Banking information is protected.
Do not reveal your customer ID or password to anyone else. Your customer ID and password are designed to protect your banking information, but they will only work if you keep them to yourself.
- Change your Online Banking password frequently.
- Do not walk away from your computer if you are in the middle of an Online Banking session.
- Once you have finished your Online Banking session, sign off before visiting other internet sites.
- If you notice any suspicious or unusual activity related to any of your accounts, contact us immediately at any of our offices.
SECURE ACCESS AND VERIFYING USER AUTHENTICITY
To begin a session with the bank's server the user must key in a log-in ID and password. Our system, the Online Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.
SECURE DATA TRANSFER
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end-user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end-user makes a server session.
ROUTER AND FIREWALL
Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
Using the above technologies, your Online Banking transactions are secure.